In this podcast episode, Dino Katsiametis shared insights into Ethos Mortgage Company’s innovative hybrid business model, which combines the flexibility of a mortgage broker with the control of a delegated lender. He explained the advantages of this model, such as lower costs, scalability, and the ability to choose from multiple lenders to ensure the best pricing and service for clients. Dino discussed the concept of “Mortgages Under Management” (MUM), which assigns a value to loan officers’ portfolios, providing long-term value and stability. He also highlighted the role of AI in improving efficiency and client service, aiming to reduce loan closing times and offer 24/7 consultations. Dino emphasized the importance of building strong client relationships through personalized service and ethical practices, and he outlined his vision for Ethos to become the largest and best mortgage brokerage in the U.S. by supporting loan officers with diverse income streams and a better work-life balance.